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Your guide to understanding and calculating ZAKAT Our aim is for every dollar o

Your guide to understanding and calculating ZAKAT Our aim is for every dollar of Zakat that should be paid by Muslims in Canada to be paid accurately and appropriately. We also strive to ensure that those living in our midst who are eligible to receive Zakat are not forgotten and that they are supported in the most impactful possible way. NZF distributes 100% of its Zakat funds in line with the Qur’an and Sunnah, with its Zakat policies and practices being authenticated and audited by the Al-Qalam Shari’ah Panel. Every Muslim community in the world needs a mechanism to uphold the pillar of Zakat, just as our mosques uphold the pillar of Salah. This is what we tasked ourselves with in 2013, when we launched the National Zakat Foundation (NZF) in Canada. NZF is now the premier Zakat institution for Canada’s Muslim community, serving Zakat payers and recipients nationwide. By providing a complete Zakat service within Canada, NZF aims to achieve its vision of a pious, confident, selfless and self-sufficient Canadian Muslim community, where no individual in need is left abandoned. It is the only organization providing an end-to-end Zakat service, encompassing Education, Calculation, Collection and Distribution of Zakat funds for the benefit of local, deserving recipients. This group includes some of the most vulnerable members of the community, including the homeless, refugees, single parents and the elderly. 02 Our Aim In 3 years NZF has distributed over $650,00 of Zakat across Canada. NZF has made over 700 Zakat disbursements across Canada Developed flourishing partnerships with food banks, charities and community groups to provide a holistic support service for those experiencing poverty. Established two temporary housing projects (NISA Homes) for Muslim women who are dealing with abuse, homelessness or dire financial circumstances. Both housing projects have a combined capacity of 18 residents at any given time and have full time staff available at the facilitites. We have now had over 150 unique residents who have lived in our housing projects. Cities impacted: Alberta: Calgary, Chestermere, Edmonton, Fort McMurray, Slave Lake vz British Columbia: Abbotsford, Burnaby, Langley, New Westminster, Port Coquitlam, Richmond, Surrey, Vancouver Manitoba: Winnipeg New Brunswick: Saint John Nova Scotia: Halifax, Sydney North West Teritories: Yellowknife Ontario: Ajax, Ancaster, Bolton, Brampton, Cambridge, East York, Etobicoke, Guelph, Hamilton, Hannon, Kanata, Kingston, Kitchener, London, Maple, Markham, Milton, Mississauga, Nepean, Newmarket, North York, Oakville, Oshawa, Ottawa, Peterbrough, Pickering, Richmond Hill, Sarnia, Scarborough, Stouffville, Thornhill, Toronto, Vaughan, Waterloo, Whitby, Windsor Quebec: Montréal, Lasalle, Brossard, Verdun, Pierrefonds Saskatchewan: Saskatoon, Grenfell Yukon: Whitehorse Some of the significant achievements of NZF 03 This guide: The shari’ah accuracy of this guide, as well as NZF’s Zakat disburse- ment policy, has been approved by the Al-Qalam Shari’ah Panel. For further information please visit alqalam.org.uk. Al-Qalam Shari’ah Panel: Mufti Zubair Butt, Mufti Barkatulla, Mufti Muhammad Ibn Adam Al-Kawthari, Mufti Yusuf Sa- cha, Imam Abu Eesa Niamatullah, Shaykh Abdul Qayyum and Shaykh Haytham Tamim. 1 2 3 4 5 Zakat is a compulsory act of worship that requires Muslims who own wealth at or above a certain threshold (called the Nisab) to donate a portion of that wealth, typically 2.5%, to those who are eligible. It is a right the poor have over the rich. The Nisab was set by the Prophet Muhammad (peace be upon him) at a rate equivalent to: 87.48 grams of gold 612.36 grams of silver. As of May 2016 this equates to approximately $4882.42 and $425.70 CAD respectively. See page 11 for details. Linguistically, Zakat is associated with purification and growth. The third of five pillars in Islam, its importance is such that in the Qur’an it is mentioned 28 times alongside the observation of Salah, the obligatory prayer. What is Zakat? Islam encourages Muslims to seek halal employment and take part in entrepreneurial activity, but in order for commerce to benefit society, Islam places several obligations on those involved in wealth creation. Amongst these is the obligation of Zakat. Scholars state that the giving of Zakat has both an outer and an inner dimension. The inner dimension suppresses the ego, helping Muslims to overcome tendencies such as selfishness and miserliness. The outer dimension involves the purification of a Muslim’s wealth and helping those in need. Why is Zakat important? Zakat al Fitr (or Sadaqat al Fitr) is a duty that is paid on the occasion of Eid al Fitr and is required of every Muslim, whether male or female, minor or adult, as long as he/she has the means to pay. The head of the household may pay the required amount for the other members. Consult your local mosque for the recommended amount to pay per head. What is Zakat al Fitr? Those required to pay Zakat must be: • Adult (have reached puberty) • Muslim (Zakat is not paid by non-Muslims) • Sane • In complete ownership of the Nisab (see page 11 for details) Please note the three schools of thought other than the Hanafi school state that Zakat should be paid on qualifying wealth owned by the insane and children. Who pays Zakat? 04 Who receives Zakat? Examples Zaynab is entitled to receive Zakat: Zaynab is a poor widow who owns the house in which she lives, but she only has $100 worth of Zakatable assets. Hence she is not liable to pay Zakat. She does however possess some surplus items which she never uses, such as a second sofa set and some cooking utensils. The value of these surplus items is $100 which, when added to her Zakatable assets, comes to a total of $200. Because this total figure is less than the Nisab, Zaynab can receive Zakat. Zaid neither has to pay nor receive Zakat: Zaid has valued his Zakatable assets at $200, hence he is not liable to pay Zakat. Zaid also has many unused, surplus items whose value easily exceeds the Nisab threshold. Zaid, therefore, neither pays nor can receive Zakat. The poor and needy are defined as those whose Zakatable assets are valued below the Nisab level and whose surplus non-Zakatable assets are also valued below the Nisab level. Surplus assets are defined as any non-Zakatable assets that are never used. Someone whose surplus assets are valued above the Nisab level, and who also has Zakatable assets valued below the Nisab level neither pays nor receives Zakat. 1. The poor 2. The needy 3. Those employed to administer Zakat 4. Those whose hearts are to be reconciled 5. Those in slavery 6. Those in debt 7. In the way of Allah 8. The destitute traveller The Qur’an (9:60) specifies eight categories for the distribution of Zakat: 05 $ The Islamic date your wealth first equals or exceeds Nisab Zakat due One Lunar Year When is Zakat paid? Your Zakat year starts on the date your wealth first equalled or exceeded the Nisab. Zakat should then be calculated and paid after one lunar year has passed and every year thereafter on that date. If you cannot remember the date you first became owner of the Nisab, then the date should be estimated. If this is not possible, then a specific Islamic date should be selected arbitrarily and adhered to annually. Paying Zakat in Ramadan is not necessary, although giving charity in this month guarantees greater rewards. When should Zakat be distributed? Zakat should be paid as soon as possible once it becomes due. At the very latest, Zakat should be distributed one Islamic year after the due date as it is a sin to delay disbursement without a valid reason. 1 L U N A R Y E A R Where should Zakat be distributed? It is preferred to give Zakat locally if deserving recipients exist. This is based in part on the instruction that the Messenger of Allah (peace be upon him) gave to his companion, Mu’adh, who was sent to spread the message of Islam in Yemen, “O Mu’adh! Inform them that Allah makes Zakat obligatory for them. (It is) to be taken from their rich and given to their poor.” [Bukhari] At the same time, scholars allow for the distribution of Zakat to places where there is significant need. As Muslims living in Canada, it is important that we balance our giving between local and international causes, bearing in mind that our collective accountability for the poor and destitute within Canada is paramount and must not be forgotten. The number of those eligible to receive Zakat in Canada is increasing and such individuals have a right to the support of Canada Zakat payers. 06 Part How do I calculate my Zakat? Our calculator below will allow you to easily work out your Zakat payment. You can also visit www.nzf.ca/calculator to make your calculation online. Part Deals with your Zakatable assets Part Deals with your liabilities that can be deducted Part Deals with the final calculation • Cash and liquid investments are fully subject to Zakat. • You should include cash in all your bank accounts, in your wallet and under your mattress! • If uploads/Geographie/ nzf-zakat-guide 2 .pdf